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Banking & Financial Disputes

At Blacks Solicitors our clients’ interests are paramount and we use our experience and skills to work with them on an agreed strategy; providing consistently clear advice, at realistic prices.

Blacks’ expert Dispute Resolution team deal with all aspects of banking and financial litigation including enforceability of agreements and liability under a guarantee.

If your lender is looking to enforce its security or to withdraw a facility, we can provide clear advice to assist in the resolution of any arising issues.

In addition we also provide support in relation to the mis-selling of financial products and mortgage repossessions (please see below for further information).

Mis-selling of Financial Products

Were you encouraged to take out a loan that you did not understand?

Many individuals have suffered losses as a result of the mis-selling of financial products, such as interest rate swaps and mortgages.

Examples of mis-selling of interest rate swaps include:

  • The customer not understanding what was being sold to them
  • The bank insisting the swap be entered into as a condition of the loan
  • The bank not explaining the consequences of the swap, which may include exorbitant termination fees and/or monthly repayments

Examples of financial mis-selling of mortgages include:

  • The borrower’s ability to repay the mortgage was not properly assessed leaving the borrower in financial difficulties
  • The borrower was sold an interest-only mortgage (rather than a repayment mortgage) without being properly advised about the need to repay the whole capital borrowed at the end of the mortgage term
  • The borrower was advised to remortgage within a short space of time of having either purchased or remortgaged a property, and had to pay a penalty to their lender (known as an Early Redemption Charge) to get out of the previous mortgage
  • The borrower was advised to consolidate unsecured debts by remortgaging, leaving them paying much more in interest than they would have done if they had carried on repaying their unconsolidated debts

If you have experienced any of the above, we can assist in obtaining redress either by way of a complaint to the Financial Services Authority (FSA), the Financial Ombudsman Service (FOS), or through High Court litigation.

Mortgage Repossessions

Our team have experience of acting for borrowers and can provide advice and assistance relating to any breach of mortgage conditions, most commonly a failure to pay as required. We also handle allegations of mortgage fraud.

We can guide you through the complete repossession process and advise you as to the most suitable course of action in any given circumstances.

Insurance Disputes

Has an insurer rejected a claim?

A policy of insurance is designed to provide cover and peace of mind in the event that things go wrong. However, disputes can arise when insurers decline a claim. Unfortunately, it is all too common for insurers to refuse claims on the basis of:

  • Misrepresentation
  • Non-disclosure
  • Breach of warranty
  • Allegations of fraud
  • Interpretation of the policy wording
  • Reliance on exclusion clauses

However, our specialist team have a wealth of experience in acting for policy-holders in claims against their insurers where there is a refusal to indemnify.


For more information about any of the above, or for a no obligation discussion, please email or call Blacks’ Dispute Resolution team today on 0113 207 0000.

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What our clients say

  • Committed and experienced team which offers first rate advice at reasonable cost in commercial dispute resolution. Team leaders are comfortable across industry and there is a sense that they know the business as well as the relevant law.

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  • Paula Moses was impeccable in regards to working on my case, she always met timelines and did everything she said she would whilst working with me. She always kept me updated and informed me on the next step we needed to accomplish. She managed to resolve my dispute when multiple solicitors before could not. There has not been a single quality in Paula I could fault as she has simply been the best. She is honestly amazing at her job and goes out of her way to complete her task. She is very reliable, patient and compassionate with her clients and does her absolute most to resolve any issues you are having within your case.

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  • Yat Wong provides sound advice whilst at the same time ensuring the commercial aspects of the dispute remain in the client.

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  • Alex Hall was the brilliant individual who I predominately worked with and she was very calm in what was quite a pressured situation and had an ability to cut to the chase in terms of her advice and the key salient points.

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  • Our experience with Aimee Hutchinson has always been fantastic. She is incredibly knowledgeable, especially in our field of work. She is also extremely thorough, and most importantly we trust her to deliver.

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  • Darren Morgan is our partner and he understands our issues at hand and gets us to a better place with often cantankerous opposing sides in the most effective manner.

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  • Luke Patel is stand-out. Really good lawyer and strategist. Strong personality who leads from the front and good to have in your corner. Impressive success rate.

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  • Our experience with Aimee Hutchinson has always been fantastic. She is incredibly knowledgeable, especially in our field of work. She is also extremely thorough, and most importantly we trust her to deliver.

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  • Aimee Hutchinson is without doubt one of the most tenacious, professional but personable solicitors I have dealt with. She can be very tough when needed, almost without the other side realising, but always maintains respectful cordial relations to get the deal over the line. A very rare commodity in someone so young.

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  • I will only use Blacks Solicitors for all of my business requirements. Not only have they helped set my Charity Up they have also given me fantastic advise whenever it has been needed. Big Thank you to Alex Hall and Darren Morgan.

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  • Thank you so much to Clare Castillo you achieved the result me and my wife have been trying for years on a boundary dispute, you always kept us informed and the advice given superseded our expectations thank you Clare and blacks solicitors highly recommend this company 10/10.

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  • First rate commercial lawyers with good client skills.

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  • I have found them to be very good at what they do and always willing to ‘dumb down’ anything so that you can fully understand each process along the way.  As I have limited knowledge of legal matters currently, this is really beneficial and has helped me to gain further knowledge just through their explanations and help.

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  • Whenever anybody mentions solicitors to me, I say you can’t go better than Tina Tosney at Blacks Solicitors.

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  • Luke Patel is a first-rate litigator. He is strategic and enthusiastic and works very well with his team to get the best out of them. Luke shows real commitment to the client and works very hard to achieve favourable outcomes. He clearly thrives on the cut and thrust of commercial litigation.

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  • Luke Patel has a loyal client base and for good reason. He is personable, knowledgeable, persistent and very good at his job.

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  • The entire team at Blacks is very friendly, efficient and robust. The practice seems to really care about its clients.

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  • We really appreciated your help. Good work. That is twice your firm have helped us out of a tight corner and considering our trade, I expect we will be a back again.

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  • We cannot adequately convey our gratitude to Luke Patel and his team for the overwhelming support and hard work for bringing us to our success.

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  • I wanted to say a massive thank you to you and the company of how you treated me and my case I cannot recommend you both highly enough. I look forward to meeting again in 28 days.

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  • It has been a hard two years in terms of money on our part and effort on your part. One thing that sustained us was your indefatigable energy and skills in confronting a determined organisation who did not listen to reason.

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  • The quality of the service was excellent. We were kept up to date throughout our one year experience.

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  • Luke was very personable, professional, measured and met all our expectations. The strategy and tactics he deployed from day one were carefully thought out. He gave us clear and honest advice throughout and informed us of the options available to us at each stage of the litigation. He was able to deliver his “killer blow” at the right time which caused the opponents to come to the table and do a deal.  I would have no hesitation recommending him or using him, and Blacks, should the need ever arise again.

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  • As always Luke was at once incisive, caring and comprehensive in providing a legal solution in the most concise and cost-efficient way possible. He is a man of great integrity, sincerity and poise. In my experience, he acts in his client’s best interests always. My go to lawyer.

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